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A Conditional Sale car finance agreement is very similar to a Hire Purchase agreement, except that you automatically own the car once you have made all of your repayments. This means as soon as you sign the contract you are the owner of your new car!

You can either put down a deposit or offer your current car as a part-exchange, and once the finance company have paid the dealership, you will be ready to collect your car.

Benefits of a Conditional Sale car finance agreement:

✓ Monthly repayments are usually smaller

✓ Can benefit from a smaller initial deposit

✓ Repayments are fixed at the same amount for the whole term

✓ No Option to Purchase fee at the end of the term 

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How do I apply for car finance?

form icon Fill out our quick and easy online application form.

thumbs up icon Once you’ve been accepted with one of our lenders, you are free to choose a car.

Car Icon Agree to the terms of your finance agreement; once you’ve signed your documents you’re free to drive away!

Let us find you the best finance deal

Why choose Refused Car Finance?


✓ We charge no customer fees

✓ We approve 98.4% of applicants!

✓ Quick online application

✓ No deposit plans available

✓ Good credit, bad credit or no credit history all welcome!

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Refused Car Finance Reviews

4.86 Average

198 Reviews

Deborah Wilce

Excellent very helpful

Lindsay Bell

Dan was very helpful. He was very patient Explaining everything. Thank you Dan.

Anonymous

I couldn't thank this team enough in helping me get back on the road. From start to finish I was completely kept in the loop excellent customer service from Sean, Ross & Dan. I never felt forced into anything the process was so fast and easy even Paul who delivered my car you where fab thanks so much guys 👌🥳

Registered with Information Commissioners Office ICO Registration Number: ZA132327

UK Car Finance Limited. Registered in England
Registered number 9397657.
Registered Office Lakeside House, 30 Northumbrian Way, Newcastle Upon Tyne, NE12 6EH

Refused Car Finance is a trading style of UK Car Finance Limited and is acting as a licensed credit broker and a lender, we are authorised and regulated by the Financial Conduct Authority, registration number 714966. All finance is subject to status and income. Applicants must be 18 or over, terms and conditions apply, guarantees and indemnities may be required.

Written quotations on request. Certain exclusions for NI residents.

Note: We cannot be held responsible for specification errors, and price errors, we use Motortrade software which is not always 100% accurate. Copyright 2020 Refused Car Finance.

Refused Car Finance can introduce you to a limited number of finance providers based on your credit rating and we may receive a commission for such introductions.

Representative Example

Cash price – £4,500.00, Deposit – £0.00, Amount of credit – £4,500.00, Rate of interest – 9.43% per annum, Amount of interest – £1697.40, Documentation Fee – £50, Option to Purchase Fee – £50.00, Total charge for credit – £1797.40, First repayment – £179.11, Followed by 46 Monthly repayments of – £129.11, Final repayment – £179.11,  Total amount payable – £6,297.40, Representative APR – 19.10%

*Last month, over 51% of Refused Car Finance customers that had their loan arranged were offered an APR of 19.10% or lower

In the first 3 months of this year, UK Car Finance Ltd received 2140 unique applications, of which we were able to offer 2136 applicants a line of credit, subject to the applicant being able to provide acceptable proof of affordability, being free from insolvency and or/a supporting guarantor fitting the lenders eligibility criteria, this represented 99.8% of applicants in this period.

Rated No.1 for car finance in the North East of England collated from Google Business Reviews